Do I need my own insurance in Canada?

This article only applies to guests in select Canadian provinces (AB, ON, and QC). Click here for insurance information on renting cars in the United States. If you are renting in Germany, please view this article. For information on booking cars outside of the United States or select Canadian provinces (AB, ON and QC), please see the end of this article.

Turo does not require you to have your own personal insurance coverage in order to book a car on our marketplace. If you have insurance, liability insurance offered by Turo via its partner Intact Financial Corporation will supplement your existing coverage. Alternatively, some owners on Turo have opted to decline a Turo protection package where they are able to offer commercial rental insurance directly to travelers. Travelers who book those vehicles are subject to the owner’s commercial insurance policy instead and waive Turo’s protection.

All reservations in Canada are covered by a $2,000,000 liability insurance (including accident benefits) provided by Turo’s insurance partner Intact Financial Corporation and regardless of the protection package, you selected for your trip. More information on the liability and accident benefits coverage can be found here.

Furthermore, as described in this FAQ, for protection against damage to the booked vehicle you may choose between multiple coverage options. Turo offers two packages with supplemental physical damage protection so that after your personal insurance coverage is exhausted, your out-of-pocket exposure can be limited to, depending on the option selected, either $500 or $3,000. You may also choose to decline all physical damage protection, and rely solely on your own applicable personal insurance coverage.

If you decline all physical damage protection, your out-of-pocket exposure will extend to the full value of the vehicle and all related costs, as described in this FAQ. We strongly advise that you should only decline one of our protection plans if you’re confident that your personal insurance will cover you during a Turo trip; it is best to check directly with your insurance company or policy for this information prior to making your decision.

Credit card companies are highly unlikely to provide any coverage for a Turo trip, and some insurance companies may exclude coverage for car sharing.

If you are booking a vehicle outside of the United States or Alberta, Ontario, or Quebec, Canada, or a vehicle within the United States and select provinces of Canada where the owner has waived Turo’s protection and is providing their own insurance instead, their requirements for you having insurance may be different. You may be subject to their own, different insurance policies and fees. To learn more about owner-provided insurance, read through this FAQentry. You should consult the vehicle’s listing and owner for information on insurance coverage.